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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Oikonomia : Journal of Management Economics and Accounting
Laela Lanjarsih
IKPIA Perbanas Institute Jakarta
Humanities Economics, Econometrics & Finance Education Health Professions Public Health

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Personal Finance Transformation in the Digital Era: The Impact of Financial Technology on People's Economic Behavior Deri Apriadi; Dessy Adelin; Primadonna Ratna Mutumanikam; Laela Lanjarsih
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 3 (2025): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i3.356

Abstract

The development of financial technology (fintech) has revolutionized the way people access, manage and make decisions in personal finance. The digitization of financial services not only offers convenience and efficiency, but also triggers significant changes in people's economic behavior, especially among the younger generation and urban groups. This study aims to systematically analyze how financial technology affects individuals' economic behavior in terms of consumption, investment, and financial planning. The method used is a systematic literature review of relevant scientific articles published between 2018 and 2025. The results show that financial technology has a positive impact in improving digital financial literacy, encouraging saving and investing behavior, and facilitating financial decision-making. However, there are also negative impacts such as increased impulsive consumption due to digital credit features, as well as technology adoption inequality between urban and rural communities. The implications of this study emphasize the importance of strengthening inclusive financial literacy and consumer protection as prerequisites for creating a safe and sustainable digital financial ecosystem.
PELATIHAN INVESTASI CERDAS BAGI GENERASI MUDA DALAM MENGHADAPI TANTANGAN EKONOMI MASA DEPAN Trinandani Prasetya Nugrahanti; Primadonna Ratna Mutumanikam; Laela Lanjarsih; Djoko Hanantijo
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 6 (2024): Vol. 5 No. 6 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i6.37531

Abstract

Pelatihan investasi cerdas bagi generasi muda menjadi sangat penting untuk mempersiapkan mereka dalam menghadapi tantangan ekonomi yang semakin kompleks di masa depan. Dalam konteks ini, metode Pengabdian Kepada Masyarakat (PKM) dengan memberikan pemahaman tentang konsep dasar investasi, manajemen keuangan, serta pentingnya perencanaan keuangan yang matang bagi keberlanjutan hidup. Para peserta pelatihan ini yang sebagian besar terdiri dari para Siswa dan Masyarakat muda di Bengkulu. Metode pelatihan dalam PKM ini melalui tahapan: (1) perencanaan dan persiapan; (2) pelaksanaan pelatihan; (3) evaluasi dan pelaksanaan lanjutan; (4) dokumentasi dan pelaporan; (5) penyusunan laporan dan publikasi. Selain itu, pelatihan ini juga membahas aspek penting seperti perilaku konsumtif yang dapat menghambat kebiasaan menabung dan berinvestasi.Dengan adanya PKM melalui pelatihan ini, diharapkan generasi muda dapat lebih siap dan bijak dalam menghadapi tantangan ekonomi, serta mampu membuat keputusan investasi yang cerdas untuk masa depan mereka. Program ini diharapkan dapat menjadi langkah awal bagi terciptanya masyarakat yang lebih mandiri secara finansial di masa depan.
Co-Authors Deri Apriadi Dessy Adelin Djoko Hanantijo Primadonna Ratna Mutumanikam Trinandani Prasetya Nugrahanti